With the popularity of credit cards, it is nothing new to spend with them now. Most citizens have one or more credit cards in their hands. But do you know how to protect your credit card? In daily life, most cardholders know how to protect their credit card passwords and the "last three codes" on the back of the card, but ignore the importance of the signature on the back of the credit card. However, banking industry insiders reminded that the signature behind the credit card is as important as the password. Therefore, for security reasons, the cardholder must sign on the back of the credit card.

Many cardholders don't sign their names on the back of their credit cards.

Credit card signature refers to a way that the credit card holder signs at the cardholder's signature on the back of the credit card after applying for a credit card, which is convenient for the cashier to check the signature when swiping the card and ensure the safety of using the card. At present, in the important prompt column of most bank credit cards, the words "This card is for personal use only, please sign in the signature column on the back of the card" are marked. However, in daily life, this tip is often ignored by many cardholders. Most cardholders believe that the absence of a signature on a credit card will not affect consumption.

Recently, the author randomly surveyed 30 citizens in our city, and only 5 of them clearly signed their names. Most of the rest of the citizens think that the credit card signature is just a form and not important. Ms Guo, who works in a media company in our city, has two credit cards. The author noticed that only one of Ms. Guo's two credit cards was signed. In this regard, she said that because she was worried that the password would be cracked after losing the card, she signed the back of the credit card, but in the process of consumption, I found that the signature was only a form and didn't make much sense. "With that unsigned credit card, I didn't encounter any obstacles in my usual credit card consumption, and the other party didn't check the signature. So there shouldn't be much difference between signing a credit card and not signing it? " Ms. Guo added with a smile.

In the interview, Mr. Liu said: "Didn't the signature on the back of the credit card expose your personal information? In case the credit card is lost or stolen, it is easy to cause losses. And the consumer mall doesn't even look at the signature. Often, I have just entered the password and haven't signed the consumption receipt, and I have already received a text message confirming my consumption on my mobile phone. "

The signature on the back of a credit card is as important as the password.

So, should the credit card be signed on the back? Does not sign the word affect the security of the funds in the card? In this regard, the author visited a number of banks in our city, and the bank staff all said: the credit card must be signed, and this signature is as important as the password.

"According to international practice, credit card holders need to sign. At present, although we do not force cardholders to sign, we generally recommend cardholders to sign when they apply for cards. " The staff of Taizhou Branch of Industrial and Commercial Bank of China introduced to the author, "As a standard credit card consumption and usage rule, according to internationally accepted standards, consumption is based on signature. Therefore, overseas, if the cardholder does not sign the back of the card, the cashier can't check the signature, which will affect the normal consumption of the cardholder. "

According to the author's understanding, according to the relevant regulations, the cardholder must sign on the back after the credit card is opened. In foreign countries, it is a common practice for cardholders to sign payment. In China, many consumers are used to using passwords. Although the password can ensure the security of the funds in the card, with the increase of the number of credit card uses, the risk of password leakage increases accordingly. After the credit card and password are lost, checking the signature behind the credit card becomes the last barrier to protect the security of the main credit card.

At the same time, in the process of checking the signature, the cashier has the right to cancel the consumption and refuse to sell the goods if he finds that the signature does not match the signature on the credit card, which can avoid the loss of the owner to a certain extent.

In addition, besides verifying the "back signature" of the credit card when swiping the card in the shopping mall to ensure the safety of the credit card owner, if the cardholder withdraws money from the bank ATM machine, if the machine has problems and the card is swallowed, the bank staff can also check the signature on the back of the bank card with the signature on the register, so as to handle the card return business.

Avoid too neat signatures.

At present, it is the peak consumption season at the end of the year, and the frequency of credit card use is getting higher and higher, so the security of credit card swiping is particularly important. For merchants, when consumers use credit cards, merchants need to verify whether the signature on the back of the credit card is consistent with the POS slip. If the merchant fails to verify the signature and the credit card is stolen, the bank will ask the merchant to bear the corresponding responsibility according to the dispute system of credit card theft.

Although many merchants have not fulfilled the responsibility of checking signatures at present, bankers remind consumers to establish credit card security awareness. For cardholders, it is best to use credit cards in a multi-pronged manner to ensure safety. First, set the password. This password can't be too simple and can't be revealed to others. Secondly, sign on the back of the credit card. It is best to keep the font consistent with the usual signature, and try to avoid the font being too neat, otherwise it will be easily imitated. At the same time, don't put the credit card with the ID card to avoid being stolen after being lost. Moreover, it is best for cardholders to set up SMS reminders for credit cards, so that they can know the change of the amount in the card at the first time, and call the issuing bank immediately if there is any abnormality.